Average Car, Home & Renters Insurance Cost in Rhode Island (2026)
These are estimated annual averages for Rhode Island, drawn from published rate studies. They describe a typical profile — not your policy, and not a price you have been offered.
Rhode Island at a glance
| Coverage | Estimated annual average | Rank of 51 | Assumes |
|---|---|---|---|
| Car insurance (liability + comp & collision) | $2,215/yr | #20 of 51 | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $745/yr | #34 of 51 | State-required minimum liability limits only |
| Home insurance | $2,445/yr | #27 of 51 | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $143/yr | #22 of 51 | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Rank 1 is the lowest estimated average of the 50 states and the District of Columbia.
How Rhode Island compares with the national average
- Full-coverage car insurance runs about 5% below the national average of $2,339.
- Home insurance runs about 4% below the national average of $2,543.
- Renters insurance runs about 5% below the national average of $151.
How Rhode Island compares with neighbouring states
| State | Car (full) | Home | Renters |
|---|---|---|---|
| Rhode Island | $2,215 | $2,445 | $143 |
| Connecticut | $2,757 | $1,905 | $175 |
| Massachusetts | $1,800 | $1,483 | $133 |
Notes on these figures
- Renters figures assume $30K personal property · $100K liability · $500 deductible.
See where you sit
Run the interactive version for Rhode Island with your line, age band and coverage level — or scan your declarations page and we'll compare your actual premium against these averages.
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